Initial Disclosure Agreement

LMC Cars Ltd

LMC Cars Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Reference Number (FRN) 668759.

LMC Cars Ltd operates as a credit broker, not as a lender.

We are committed to treating customers fairly and ensuring that our products and services meet their specific needs.

We can introduce you to a limited number of lenders who may be able to finance your purchase, and we will only introduce you to these selected lenders.

Please be aware that you may obtain finance for your purchase from other lenders, and we encourage you to seek alternative quotations to ensure you find the most suitable financing option.

LMC Cars Ltd may receive a commission payment for introducing you to a lender. This commission may be a fixed amount or a fixed percentage of the financed amount. You have the right to request the disclosure of this amount.

Important Information for Consideration

If you have any health issues, difficulty understanding information, or recent life events that could impact your ability to fully comprehend the information and documentation provided, we encourage you to take the necessary time to review these documents carefully. You may also wish to involve a trusted individual to assist you in making your decision. Additionally, please evaluate your ability to meet the monthly payment obligations throughout the term of the agreement.

Failure to keep up with payments could negatively impact your credit rating, making it more challenging or costly to obtain credit in the future.

Complaints Process

If you wish to register a complaint, you can contact us by:

• Email: sales@lmc-cars.co.uk
• Post: LMC Cars, White Post Farm, South Ockendon, RM14 3PP
• Phone: 01708 863247

If you would like more information on our complaints-handling process, please request a copy. If we cannot resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service at:

• The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Personal Data Handling

Throughout the process of providing services to you, we will need to collect personal information from you and may share this information with one or more third-party organisations to fulfil your requests. This may include sharing information with potential lenders or credit brokers to enable credit decisions. These lenders may use your information to conduct affordability and creditworthiness assessments based on the consent you have provided.